The typical owner-occupied home in Oglala Lakota County is worth about $52,900, 79% below the South Dakota median of $257,400 and 84% below the national median of $332,700. Owners pay a median $199 a year in property taxes, about 0.38% of their home's value, lower than the South Dakota rate of 1.06%. The median household earns $41,417 a year, so the median home costs 1.3 times the median income (3.4 times for South Dakota). 51% of occupied homes here are lived in by their owners, and 12% of those owners still have a mortgage.
Oglala Lakota County at a glance
| Oglala Lakota County | South Dakota | U.S. | |
|---|---|---|---|
| Median home value | $52,900 | $257,400 | $332,700 |
| Median property tax paid per year | $199 | $2,724 | $3,119 |
| Property tax as a share of value | 0.38% | 1.06% | 0.94% |
| Median household income | $41,417 | $75,081 | $80,734 |
| Homes lived in by their owners | 51% | 69% | 65% |
| Owner homes with a mortgage | 12% | 54% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,680 | $1,963 |
| Those costs as a share of the owners' income | 29.7% | 20.4% | 21.0% |
| Median rent | $584 | $946 | $1,413 |
| Rent as a share of renters' income | 14.9% | 25.9% | 30.6% |
| Median year homes were built | 1987 | 1980 | 1980 |
| Vacant homes | 15.8% | 10.5% | 10.1% |
| Population | 13,491 | 907,428 | 334,922,499 |
What a typical home costs per month in Oglala Lakota County
At this week's average 30-year rate of 7.11%, buying the median Oglala Lakota County home of $52,900 with 20% down costs about $323 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $412, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $13,863 for the 20%-down payment. That payment is 9% of the median Oglala Lakota County household income of $41,417; at that income and 20% down, the 28% guideline points to a home of about $158,000.
The median rent here is $584 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $10,580 |
|---|---|
| Loan amount | $42,320 |
| Principal and interest | $285 |
| Property taxes (0.38% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $323 |
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| Down payment | $1,852 |
|---|---|
| Loan amount | $51,942 |
| Principal and interest | $349 |
| Property taxes (0.38% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $23 |
| Total per month | $412 |
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Questions about home buying in Oglala Lakota County
What is the median home value in Oglala Lakota County?
About $52,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oglala Lakota County?
Homeowners pay a median $199 a year, which is about 0.38% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Oglala Lakota County?
For the median home with 20% down at 7.11%, the payment is about $323 a month. Keeping that under 28% of gross income takes about $13,863 a year.
More about Oglala Lakota County
- Mortgage Refinance in Oglala Lakota County
- Debt Relief in Oglala Lakota County
- Home Equity Loans in Oglala Lakota County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data